To provide the opportunity for regular university faculty and staff who are scheduled to work a minimum number of hours per week to participate in the State of Tennessee Group Insurance Program and other insurance programs provided by the state of Tennessee and the University of Tennessee.
Regular employees who are scheduled to work a minimum of 30 hours a week may participate in the basic group insurance program. Faculty and other academic employees must be scheduled to work at least 75 percent time in order to meet eligibility requirements. Additionally, employees who are scheduled to work at least 70 percent time (1450 hours per year) and who have been employed as a regular employee for 24 months will be eligible to participate in the group insurance program. In the event both the employee and spouse work for the state, both must elect to be insured under separate policies. No person eligible for coverage as an employee may be included as a dependent. Enrollment in the plan is assured for the employee and eligible dependents if application is prior to the last day of the first full calendar month of employment. The plan does not provide an opportunity to enroll at a later date except for special qualifying events as described in the plan document.
The group insurance program includes alternative comprehensive medical plans, term life insurance, and accidental death or dismemberment. The amount of term life and accidental death or dismemberment is based upon the employee's annual base salary. Employees contribute approximately 20 percent of the premium and the university contributes the remaining portion.
Employees may choose to receive their medical benefits from the Preferred Provider Organization (PPO), a Health Maintenance Organization (HMO), or the Point of Service Plan (POS). Information on each of the options is provided at the time of employment. Employees may transfer their participation from one plan to another during the annual transfer period that is held from October 15 through November 14 of each year. Changes made during that period of time will be effective January 1 of the following year.
The university offers optional employee-paid insurance programs for accidental death and dismemberment, term and universal life, long-term disability, and dental coverage.
Details of all benefits provided under these programs are set forth in the applicable group plan booklets.